Anyone who has ever had a run in with an emergency health situation knows how expensive a trip to the emergency room can cost. There are fees associated with the use of the emergency room, the x-rays or tests that are run, the fee to see a doctor and even at times the cost for paperwork to be processed or the ride in an ambulance. The costs of an emergency room visit can really put a dent in ones wallet.
For the average American who does not have health insurance the average trip to the emergency room costs around $800 for a visit. This is a very basic cost and does not include anything such as urgent care that might be required if you were to go to the emergency room with a heart attack or stroke.
Luckily, there is a way to avoid these high medical costs. Many insurance companies offer the chance for people to buy into what is known as an emergency health insurance policy. These policies are designed to only cover emergency trips to the hospital. They do not cover illnesses, general exam or any other type of general visit to the doctor.
Under this policy, a review board has the right to review your insurance claim and determine whether the trip to the emergency room was an emergency. Many people are uncomfortable with this idea but as long as you are using the insurance for an emergency the claim will go through without an issue.
Emergency health insurance costs very little to purchase because of the lack of coverage that it provides. However, if you are worried that you might face an emergency health situation and not have enough money to cover all the bills and fees that come with it, it is a good idea to consider emergency health insurance. It’s better to be prepared for the worst, then to have the worst happen and be unprepared.